FAQ
Am I covered if I drive someone else's vehicle?
Generally speaking, the insurance goes with the car. For example, if you have an accident while driving someone else's car, the owner's insurance would apply first toward damages. Your auto insurance would generally apply in the event the owner of the vehicle had no auto insurance or did not have enough auto insurance to pay the damages. For specific information and guidance on your coverage in this situation, contact your local Farmers agent.
What does "full coverage" mean?
The term full coverage generally means that the insurance policy has both liability coverage and coverage for damage to your vehicle. The term full coverage does not mean that everything is covered no matter what happens. Your auto insurance policy declaration page lists the coverages you have selected.
Will my policy be canceled if I have an accident?
Generally, being in an accident will not cause your policy to be canceled. However, after the facts of the situation are reviewed, you may be required to pay a higher premium for your policy upon renewal.
If I rent a car, do I have coverage?
Car rental companies charge daily fees for "CDW" coverage (which means their insurance will pay for all damages covered in your rental agreement). Rental car coverage under a private passenger policy varies state by state. Check your policy or contact your local Farmers agent.
What is Optional/Add-on Equipment coverage?
Under the Comprehensive and Collision portion of your policy, optional equipment (a CD player for example) is covered only if permanently installed in the opening of the dash where the manufacturer would normally install such equipment.
An endorsement is available to provide coverage for optional equipment not permanently installed in the dash and for theft of items such as tapes, discs or other equipment designed for the reproduction of sound.
For details on this coverage, check your auto insurance policy. If you're thinking about adding equipment to your present vehicle, contact your local Farmers agent.
Farmers has a number of policy endorsements available to help customize coverage to fit your needs:
* Glass Replacement
* Rental Reimbursement
* Towing and Roadside Assistance
What should I do if I'm in an accident?
Notify us immediately through your Farmers agent, local Farmers claims office, or use Online Claims Reporting. Give names and addresses of witnesses and injured persons. Promptly send Farmers copies of notices or legal papers you receive about the accident. Cooperate with the investigation. You might have to submit a "proof of loss" form and, if you have injuries, undergo a medical exam.
Generally speaking, the insurance goes with the car. For example, if you have an accident while driving someone else's car, the owner's insurance would apply first toward damages. Your auto insurance would generally apply in the event the owner of the vehicle had no auto insurance or did not have enough auto insurance to pay the damages. For specific information and guidance on your coverage in this situation, contact your local Farmers agent.
What does "full coverage" mean?
The term full coverage generally means that the insurance policy has both liability coverage and coverage for damage to your vehicle. The term full coverage does not mean that everything is covered no matter what happens. Your auto insurance policy declaration page lists the coverages you have selected.
Will my policy be canceled if I have an accident?
Generally, being in an accident will not cause your policy to be canceled. However, after the facts of the situation are reviewed, you may be required to pay a higher premium for your policy upon renewal.
If I rent a car, do I have coverage?
Car rental companies charge daily fees for "CDW" coverage (which means their insurance will pay for all damages covered in your rental agreement). Rental car coverage under a private passenger policy varies state by state. Check your policy or contact your local Farmers agent.
What is Optional/Add-on Equipment coverage?
Under the Comprehensive and Collision portion of your policy, optional equipment (a CD player for example) is covered only if permanently installed in the opening of the dash where the manufacturer would normally install such equipment.
An endorsement is available to provide coverage for optional equipment not permanently installed in the dash and for theft of items such as tapes, discs or other equipment designed for the reproduction of sound.
For details on this coverage, check your auto insurance policy. If you're thinking about adding equipment to your present vehicle, contact your local Farmers agent.
Farmers has a number of policy endorsements available to help customize coverage to fit your needs:
* Glass Replacement
* Rental Reimbursement
* Towing and Roadside Assistance
What should I do if I'm in an accident?
Notify us immediately through your Farmers agent, local Farmers claims office, or use Online Claims Reporting. Give names and addresses of witnesses and injured persons. Promptly send Farmers copies of notices or legal papers you receive about the accident. Cooperate with the investigation. You might have to submit a "proof of loss" form and, if you have injuries, undergo a medical exam.